Amica vs. State Farm: Which Is the Best? (2024)

State Farm earned an IQ Score of 9.3 out of 10, compared to Amica’s 8.3.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 3 years of content writing

  • Bylines with leading financial publications

Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.

Featured in

media logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 1, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

If you’re looking for new car insurance, State Farm and Amica are both good options. Both offer auto insurance nationwide and provide high levels of quality customer service. So, the best choice between the two comes down to your needs.

Amica offers more car insurance add-ons to customize your policy, but its monthly premiums are higher than the national average of $153. State Farm provides affordable rates for many drivers but has a short list of coverage and discount options.

Quick Facts
  • Amica and State Farm telematic programs offer savings for good driving.

  • While Amica rates are higher, the auto insurer has more discounts to choose from.

  • State Farm is a good choice for people who’d like to work with an in-person insurance agent.

Amica vs. State Farm: The verdict

Both companies offer home, renters, and life insurance, allowing you to save by bundling insurance products. Amica wins in coverage options, while State Farm offers lower rates. So, drivers looking to add the standard coverages to their policy at an affordable price may prefer State Farm. People who have more complex insurance needs may want to work with Amica.

While Amica mainly sells its policies online, State Farms sells policies through a network of independent agents across the country. If you want to work with an insurance agent in person, there’s likely an office near you. The best insurer for you depends on your insurance needs and personal preferences.

Factor
Amica
State Farm
IQ Score8.39.3
J.D. Power customer satisfaction score833 out of 1,000833 out of 1,000
Average quote: liability only$54$54
Number of discounts1810
Number of states where it operates4948
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Amica

Amica placed No. 2 in New England in the 2023 J.D. Power U.S. Auto Insurance Study, which measures the level of customer satisfaction a company provides during the claims process.[1]

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$148/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$278/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, life, marine, and more types of insurance in all 50 states. Amica offers flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement. The company has strong financial stability and credit ratings from AM Best, and J.D. Power ranked it No. 1 for claims satisfaction in the U.S. It also receives fewer than average complaints, according to the National Association of Insurance Commissioners Complaint Index.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

  • Excellent 4.4 Trustpilot score

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

  • Doesn’t offer rideshare insurance

Read more driver reviews of Amica
Rene - November 23, 2024
Verified

Prices

The premiums seem a little high.

Walter - November 21, 2024
Verified

Too Expensive

The service is great, but their rates have become too high.

Sidney - November 1, 2024
Verified

I expected more after so many years of loyalty!

It's an honest company, but it doesn't communicate well with customers.

State Farm

In 2022, State Farm was the largest auto insurer for direct premiums written in the United States.[2] It also finished in the top three in most regions in the 2023 J.D. Power U.S. Auto Insurance Study.[1]

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

  • Savings for bundling auto with home, renters, condo, or life insurance

Cons
  • No gap insurance offering

  • May not be the cheapest choice for drivers with violations

  • Accident forgiveness limited to longtime customers with clean driving records

Read more driver reviews of State Farm
Sofia - December 1, 2024
Verified

State Farm

I would not recommend them as they are one of the more expensive insurance companies and many of them will overcharge you.

Bernice - December 1, 2024
Verified

Fair

The price is too high for the elderly.

Donna - November 30, 2024
Verified

It's Okay, Could Be Better

There's too much runaround in getting answers.

Amica StreetSmart vs. State Farm Drive Safe & Save

Amica StreetSmart and State Farm Drive Safe & Save are mobile apps that use telematics technology to track a policyholder’s driving. Both programs offer an up-front discount at enrollment, which may increase as the user practices safe and good driving. Amica members can also earn rewards to cash in as gift cards or charity donations.

Neither company will increase your premiums for poor driving recorded by the app.[3]

StreetSmart isn’t available in all states. Drive Safe & Safe is offered in all states except California, Massachusetts, and Rhode Island.[4]

Amica vs. State Farm: Which is the cheapest?

The monthly average rate for a State Farm liability car insurance policy sits at $54, which is significantly lower than an average Amica policy at $148. Your car insurance premium will vary based on factors like your age, gender, location, claims history, and more.

State Farm: Cheapest for drivers with a clean driving record

Among both insurers, State Farm offers lower car insurance rates for people with a clean driving record.

Driver Type
Amica
State Farm
Clean driving record$148$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for drivers with a speeding ticket

Moving violations, such as at-fault accidents and speeding tickets, will likely increase your auto insurance rates. State Farm provides the lowest car insurance rates for drivers with a speeding ticket on their record.

Driver Type
Amica
State Farm
Drivers with a speeding ticket$210$63
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for teen drivers

Among all age groups, teen drivers see the highest rates on their auto insurance policies. With the lowest rates for young drivers, State Farm is the go-to insurance company for big savings.

Driver Type
Amica
State Farm
18-year-old$197$95
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for drivers with bad credit

Drivers with less-than-perfect credit pay more for car insurance coverage. If you have poor credit, State Farm may be a cost-effective option for you.

Driver Type
Amica
State Farm
Drivers with bad credit$178$82
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm: Cheapest for senior drivers

Seniors in their 70s may start to see their premiums increase. If you’re a senior driver, State Farm is the budget-friendly choice.

Driver Type
Amica
State Farm
Senior drivers$106$39
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Amica vs. State Farm

Both insurance companies offer the state-minimum liability auto insurance, collision, and comprehensive coverage. They also offer medical payments, personal injury protection, and uninsured/underinsured motorist coverage. Amica offers more coverage options than State Farm for added protection. 

State Farm and Amica insurance offer the following coverages:[5] [6]

Coverage
Amica
State Farm
Gap insuranceYesNo
Full glass coverageYesNo
Roadside assistanceYesYes
Rental reimbursementYesYes
Rideshare insuranceYesYes
New-car replacementYesNo
Travel expenses coverageNoYes

Compare discounts: Amica vs. State Farm

Although Amica has higher rates, it offers more savings opportunities, including loyalty and homeowner discounts. The table below illustrates discount options for both car insurance companies.[7] [8]

Discount
Amica
State Farm
Clean driving recordYesYes
Defensive driving courseYesYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesYes
New carNoNo
Military/affiliationNoNo
Good studentYesYes
LoyaltyYesNo
Auto payYesNo
Student away at schoolYesYes
HomeownerYesNo
Alternative fuelNoNo

Amica vs. State Farm FAQs

Below, you’ll find answers to some of the most common questions asked about Amica and State Farm insurance.

  • How good is Amica at paying claims?

    Amica offers superior claims handling service, ranking No. 1 in J.D. Power’s 2023 U.S. Auto Insurance Claims Satisfaction survey.[9]

  • Who is State Farm’s biggest competitor?

    Amica is a worthy competitor when it comes to coverage options, customer service, and financial strength ratings. However, its car insurance policies cost significantly more than State Farm’s. Progressive is another competitor with more affordable rates than Amica, ranking second in highest direct written premiums after State Farm.

  • What is the best alternative to State Farm?

    State Farm competitors GEICO, Progressive, and Allstate provide reliable car insurance at affordable rates, but the best car insurance company for you will offer the coverage you need at the best rate. It’s a good idea to compare quotes from different companies to make the most informed decision on your insurance policy.

  • Is Amica a good auto insurance company?

    Yes. Amica ranks highly in customer satisfaction, claims handling, and financial stability. However, its rates are higher than the industry average.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Jdpower.com. "2023 U.S. Auto Insurance Study."
  2. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 5 Groups and Companies by Countrywide Premium."
  3. Amica. "StreetSmart."
  4. Statefarm.com. "Drive Safe & Save™ – Safe Driver Discounts."
  5. Amica. "Car Insurance Coverage."
  6. Statefarm.com. "Car Insurance Coverage Options."
  7. Amica. "Car Insurance Discounts."
  8. Statefarm.com. "Auto Insurance Discounts."
  9. Jdpower.com. "2023 U.S. Auto Claims Satisfaction Study."
Alani Asis
Alani Asis

Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all